AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 3 analysts
Fundamentals
Fundamentals institutional score is 90 using EVA spread proxy 11.0%; growth durability 80.5.
Valuation
Valuation institutional score is 25 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 83 using mean target upside 20.7%; dispersion penalty 4.2; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 93 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is skewing constructive on impact and recency. Based on 1 recent ticker-linked news items.
Signal Summary
Market intelligence remains Supportive. fundamentals and analyst consensus provide support, while valuation remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 43.4% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.93). Confidence: 79%.
Live forward EPS implies next-12-month EPS of ₹12.50. Applying the stock's normalized valuation corridor produces a fair range of ₹60.62 to ₹78.62, with base value near ₹70.25 (-11.0% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹12.50
Forward P/E
6.3x
Base Fair Value
₹70.25
Fair Range
₹60.62 - ₹78.62
Upside To Base
-11.0%
Estimate Source
Live forward EPS
Growth Estimate
+34.2%
5Y Average
1.54
Current
1.70
Overvalued
1.77
Undervalued
1.31
5Y Average
4.38
Current
8.06
Overvalued
6.29
Undervalued
4.85
5Y Average
2.34
Current
4.30
Overvalued
3.12
Undervalued
1.22
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Premium | +16% vs avg | +32.5% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.5x Premium | +46% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +48% vs avg | -7.8% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.3x Undervalued | -33% vs avg | +24.2% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -23% vs avg | +17.8% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -25% vs avg | +6.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.7x Fair | -15% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.0x Fair | -11% vs avg | +1.9% |
BANK OF MAHARASHTRA trades in line with peers (8.1x vs avg 7.9x), reflecting a fair valuation within the Public Banks cohort. Peers include INDIAN BANK, INDIAN OVERSEAS BANK, UCO BANK — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹8.04K CrJun 2026Latest net profit
₹2.02K CrJun 2026Free cash flow
₹-11.39K CrMar 2026Net Profit
₹2.02K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 4,789 | 5,068 | 5,171 | 5,467 | 5,875 | 6,017 | 6,325 | 6,731 | 7,054 | 7,128 | 7,344 | 7,755 | 8,035 |
| Interest | 2,449 | 2,636 | 2,706 | 2,882 | 3,076 | 3,211 | 3,381 | 3,614 | 3,762 | 3,881 | 3,922 | 4,053 | 4,265 |
| Expenses + | 1,881 | 2,164 | 2,076 | 2,339 | 2,349 | 2,219 | 2,269 | 2,561 | 2,414 | 2,274 | 2,348 | 2,311 | 2,522 |
| Financing Profit | 458 | 268 | 390 | 246 | 450 | 588 | 675 | 556 | 878 | 973 | 1,075 | 1,391 | 1,248 |
| Financing Margin % | 10% | 5% | 8% | 4% | 8% | 10% | 11% | 8% | 12% | 14% | 15% | 18% | 16% |
| Other Income + | 629 | 668 | 680 | 1,022 | 894 | 792 | 788 | 981 | 825 | 845 | 933 | 938 | 1,029 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,087 | 936 | 1,069 | 1,267 | 1,344 | 1,380 | 1,462 | 1,536 | 1,703 | 1,818 | 2,007 | 2,329 | 2,277 |
| Tax % | 19% | 2% | 3% | 4% | 4% | 4% | 4% | 3% | 6% | 10% | 11% | 14% | 11% |
| Net Profit + | 882 | 920 | 1,036 | 1,218 | 1,293 | 1,327 | 1,406 | 1,493 | 1,593 | 1,633 | 1,779 | 2,014 | 2,020 |
| EPS in Rs | 1.25 | 1.30 | 1.46 | 1.72 | 1.83 | 1.87 | 1.83 | 1.94 | 2.07 | 2.12 | 2.31 | 2.62 | 2.63 |
| Gross NPA % | 2.28% | 2.19% | 2.04% | 1.88% | 1.85% | 1.84% | 1.80% | 1.74% | 1.74% | 1.72% | 1.60% | 1.45% | 1.45% |
| Net NPA % | 0.24% | 0.23% | 0.22% | 0.20% | 0.20% | 0.20% | 0.20% | 0.18% | 0.18% | 0.18% | 0.15% | 0.13% | 0.13% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD